Archive for June, 2015

Today I decided to wash and color my own hair, had I gone to a salon this would have cost me about $35.

So I decided to add $15 to my 52 week/$20 Challenge and I paid $15 on CC4.

I realized that I need to save about $16,000 as down payment for a $80k fixer upper. Right now I've socked away $2087.53, goal is to have at least $5k saved by the end of the year. It feels great to put a number on the amount I need.

I've paid off 3 CCs and upped my contributions to my IRA. However, I recognize that this isn't enough and I want to start participating in my company's 401(k). Now the company doesn't match, but I'd like to contribute about 2-3%.

The problem is that I have no clue on which funds to pick. I think I'm aggressive a tad bit and want to see my funds grow quickly. I'm also conservative now with how I spend my money. So I guess I'm in the middle

Just wondering if you all can help me pick some funds? If so, that would be great. I've included a screen shot of the funds offered below.

Ugh! Received a bill from CC3, apparently the card wasn't paid off and there was some interest accrued; therefore, I owe $12.39 😡
I paid it it but this just annoyed me. I can now say goodby officially.

On a different note, I have started tackling CC4 and this week alone I added an extra $35.

I've also upped my 52 Week/$20 challenge to $2070. Things are going great. Hopefully I can get this card down by half by the end of the year.

Well I received an additional forty cents that put me over the $10 mark I needed to cash out on Ibotta. So I used that amount to pay down CC3. Now I wait patiently for my $153 in cash rewards from BoA and CC3 is out of here. I am so excited, I can just scream.
I'm ready to hit CC4, and get that one out of here.

Added a dollar for losing a pound, and $15 for washing my own hair and not going to the salon. I'm so excited, I wanted to hit this amount before the end of the month. Now the goal is to hit 3K before October, fingers crossed.

Well made a $40 deposit to my 52 Week Challenge, since I'm on week 40. I also added $10 because dad gave me an extra $20. My new balance is $1984.53. I can't wait until I hit the 2k mark.

I also paid an extra $80 on CC3, bringing that total to $183. I'm cashing in my BoA points for cash so once I get the $120 I'll pay that amount on the CC. The goal is to have this thing out of my hair by July.

Mom fell out of the bed and is wearing a neck brace, doctor thinks it's vertigo. She's doing better

Caught dad with the neighborhood prostitute. I was so shocked I couldn't say one word. I'll have to share the story later.

Had an interview, the job is perfect except for drive that is about 45 minutes away from my house without traffic. The company is currently five minutes away but will be moving. I have another interview Monday with a different company, I'll see how that goes. This one is about 20 -30 minutes.

I added $70 to my 52 week/$20 challenge, new total $1934. I'm so excited, it looks as though I may hit the 2k mark before the end of the month. I'm really trying, fingers crossed.

Got CC3 down to $263.50. Next week I'll be paying an extra $70 on this card so that will put me under the $200 mark. I was hoping to have it paid off by the end of the month but it looks like that won't happen until mid July. Better late than never.

Other than that, that's it in a nutshell. I weigh in tomorrow for Weight Watchers, I sort of fell off the wagon but I haven't used any extra points hopefully I've lost a little.

Yesterday marked 6 years that I've been with the BF, we decided not to spend any money on gifts and just go out for dinner. Made sense to me.

Honestly on a different note, I am thinking about taking the money out of my challenge fund ($283.50) to pay off CC3. I'm ready to start tackling CC4, I think I'm getting impatient. It's funny until I started my debt snowball the debt bothered me but not like now. It's like I'm on a high, and I'm trying to reach the euphoria, that feeling you get when you're debt free. 😃

Dad gave me a few extra dollars and I always split this amount between CC and 52 Week/$20 Chalkenge. I was able to boost my challenge to about $1838 😃

I can say I'm doing good with paying down bills and saving. My sister called and asked to borrow $2,000, I'm so glad I said no. Normally I feel bad, and give in and then complain when I don't get my money back but this time I said no. Besides, giving her the money would have cleaned out my house fund and EF.

Fast forward two days and the BF tells me his cousin needs to borrow $2600 to pay the taxes on his home. Now he wasn't asking to borrow the money, but it sure as heck sounded like it. I just listened and didn't offer. I did take this opportunity to explain to him how important it is to save for rainy days.

I've talked about owning my own place forever and next year I want to make it a reality.

I've been applying for jobs that's paying more money. With a new job, I can save at a faster pace and pay down my debt more quickly.

This isn't a blog on finances, today I witness American Pharoah win the Triple Crown. I'm so excited because I actually was at the Derby when he won. I was literally in tears. Though I don't know much about horse racing, I absolutely love the big races like the Derby, Preakness and Belmont.

Just thought I'd share, this was a bucket list item.
Here's my glass from the Derby